I moved 17 companies in my 26 years of salaries career. Im 48 now, i retired from salaried life and started my own company. Its small and its growing. No big network. Only by confidence. Never depend on company. Your child hood hobby will be your driving force after 40+. So find what you loved the most. Btw, i have worked in 4 countries ( more than an year in each, some 4 yrs), i know 5 indian languages, i hold double masters degree. My suggestion 1. Keep learning 2. No loyalty to anyone. Be loyal to yourself. 3. Understand the value of money. 4. Stay healthy and keep thanking God/Universe/Earth... For this beautiful life.

It's a no-brainer that one needs to continuously upskill in IT to survive. The difficult part is balancing upskilling and competing with the newer generation in technology while managing family responsibilities for 40+ folks. General management, office politics, and doing bosses' personal work cannot sustain a career for long.

Most managers in IT services in India focus on people management, project reports, client calls along with team members, and pre-sales work ( Excel, ppt).Very few are skilled in code reviews, debugging defects, or writing even test scripts. For such managers, getting fired makes it extremely difficult to join another company unless they have highly influential connections.

Can't agree more with you. Thats why have started aggressively investing at 32 (which is late, but better late than never) and cut down unnecessary expenses. Have to get to a FIRE number in 10yrs. Atleast tab naukri gayi toh taxi drive karunga ya baccho ko padhaunga or something else 😅

An eye opener for all techies reaching 40 plus age. Thanks Ravi and Rahul for this insightful podcast.

Working in global bank I can say this guy makes a lot of sense!

First of all Thanks for bringing Rahul to this podcast. Glad to hear him. Very clear thoughts and honest conversation. Loved the talk.

By 45 ,if you are not in the top management responsible for laying of atleast 100 people at a go , you are in danger of getting layed off

Amazing episode! Thank you for the very insightful session. I could relate very well to the discussed topics.

I am still 29 ,so not sure if if should continue with private or give chance to government exam 😅 . I am earning 20 Lpa ,kind of confused seeing the situation.

Great episode ❤❤ Ravi, could you please explain more about dollar denominated assets and how to invest in them in one of your future videos? Thanks!

Excellent Topic..worth watching it

Debt fund Motiwal oswal S&P 500 is taxable on income bracket. So , the corpus is hit hard with the salary of the more than 1cr, which this person might have annually. So, he need to pay 35% effective tax.

There are FD in UAE Banks which have 5% interest rate pa This will save 4.5% Avg 5 yr INR depreciation benefit.

Liked your video. Keep doing it.❤

Sir aap FD ka use karte ho kya? Aur next video main batana about FD. , iam in 30% Tax slab. Auto renewal karke can i be saved from Tax till i stop earning?

13:25 totally right

Indian parents should stop wasting money on super expensive education for their kids(let them get get scholarship, partial aid AND let the kids take loans on their name). Also STOP wasting money on expensive weddings, must have cars, vacations etc. Parents who waste money on the above things and THEN are worried about their future, have only themselves to blame. Things are really difficult in the job market after your early/mid 40's. This is NOT the time to splurge on bs expenses and then keep worrying about your job stability and money. Hope 40 yo parents are waking up to this ruthless ground reality.

Bhed chaal chal rahi hai, US mein moneyplant laga hai kya? Funny thing is that topic of talk is ki 45 Kay baad job nahi hai 😅but sir ne 2Cr INR ne US education pe daal diye. Better to study in a low cost economy and come to US to earn. Physics is same wherever you learn it. India mein fashion hai aajkal US bhejo undergraduate studies Kay liye.

Sir .. is it possible for you to talk to me? My daughter is in 5th grade and want some initial guidance for her education in the USa.

60k USD is every year or for 4 yrs in toto?

and if your audience is corporate people, south india is that...whats the point in talking to a target crowd in a language that none of us understand, keep it in english....

After 45 you are forced to retire 😅

Showing off his large corpus, nothing seem to deter him even after paying 2 cr for undergrad education

That's what I've already known at the beginning of my career. That's why started investing early and increased investments every year. I'm 38 right now and can easily retire in the next 5 years. Thanks to equity mutual funds.